If you cash settled with AMI/Southern Response before 1 October 2014 you will now be entitled to $$$.

People that cash settled their earthquake claims with AMI/Southern Response before 1 October 2014 were misled about what they were entitled to and short paid.  AMI/Southern Response did not disclose all versions of its Detailed Repair/Rebuild Analysis (DRA).  The Court now says that was misleading conduct.  Southern Response now wants to pay owners plus interest and $2000 towards legal costs.

Did Southern Response omit costs?

Prior to 23 July 2015* it appears Southern Response had a practice of maintaining two DRA’s. We understand, when this happened, that one of the DRA’s did not include all of the costs that form part of the repair/rebuild cost. For example, demolition costs, professional fees, contingencies.

We understand that the DRA with the costs omitted was the one used by Southern Response to calculate the final cash settlement on some claims, without Southern Response ever disclosing the fully costed DRA to the homeowner.

* Southern Response appears to have changed that practice after losing in the Court of Appeal and Supreme Court to Avonside Holdings Ltd.   


Did Southern Response intentionally keep back DRA’s?

AMI/Southern Response intentionally misled owners.



Our Position

We want insureds to get what they were entitled to get in their claim settlement plus interest and $2000 towards costs.  We will charge only $2000 to do this for homeowners..

Your first steps are to:

  1. Complete our survey so we can share information with you.
  2. Ask Southern Response for copies of DRA’s under the Privacy Act.